Net Worth Calculator
Your net worth is the single number that captures where you truly stand financially. It adds up everything you own — cash, deposits, investments, property, and gold — and subtracts everything you owe, such as home, car, personal, and credit-card loans. Two people on the same salary can have very different net worths depending on how they save and borrow. This net worth calculator totals your assets and liabilities in one place so you can see the figure clearly and watch it change over time.
Net Worth
₹36,00,000
Total Assets
₹70,00,000
Total Liabilities
₹34,00,000
About the Net Worth Calculator
A net worth calculator adds the value of all your assets and subtracts all your debts to give one figure — your net worth. Assets include cash, bank and fixed deposits, mutual funds and shares, property, and gold, while liabilities are the outstanding balances on your loans and credit cards.
Why it is useful
Income tells you what flows in each month, but net worth tells you what you have actually built. Tracking it turns scattered accounts, investments, and loans into one honest scorecard, making it easy to spot whether debt is shrinking and wealth is growing. It is the metric most financial plans quietly build towards.
How the calculation works
The rule is straightforward: net worth = total assets − total liabilities. List the current market value of each asset and the outstanding balance of each loan, add up both sides, and subtract. A positive figure means you own more than you owe; a negative one means your debts outweigh your assets.
Key inputs explained
- Cash and deposits: Savings balances, fixed and recurring deposits, and physical cash.
- Investments: Mutual funds, shares, EPF, PPF, and NPS at their current value.
- Property and gold: Market value of real estate, jewellery, and other physical assets.
- Liabilities: Outstanding home, car, personal, education, and credit-card balances.
Example calculation
Inputs
- Cash and deposits
- ₹5,00,000
- Investments
- ₹15,00,000
- Property and gold
- ₹15,00,000
- Total liabilities
- ₹12,00,000
Calculation breakdown
- Total assets
- 5,00,000 + 15,00,000 + 15,00,000 = ₹35,00,000
- Total liabilities
- ₹12,00,000
- Net worth
- 35,00,000 − 12,00,000
This person owns ₹35 lakh of assets against ₹12 lakh of debt, giving a net worth of ₹23 lakh. Repaying loans or growing investments both lift the figure over time.
Benefits
- Combines every account, asset, and loan into one clear number.
- Reveals whether your wealth is genuinely growing year on year.
- Shows whether debt is a small or a heavy part of your finances.
Limitations
- Asset values, especially property, are estimates until you actually sell.
- A single snapshot says little; the trend over time is what matters.
- It does not capture income, cash flow, or the quality of your assets.
Tips
- Update it once or twice a year using current market values.
- Track the trend, not the exact number on any given day.
- Focus on raising investments and cutting high-interest debt to grow it.
Explore related calculators
About this calculator
The Net Worth Calculator is built and maintained by the PaisaBot team. All calculations run instantly in your browser using established financial formulas, and we use high-precision arithmetic to keep the results reliable.
Data accuracy: Interest rates, tax slabs, and scheme rules are updated periodically, but figures can change with RBI, government, and lender revisions. Always confirm the latest rates with your bank or an official source before acting.
Educational purpose: This tool is provided for general information and financial education only. It does not constitute investment, tax, or legal advice. For decisions specific to your situation, please consult a qualified financial advisor.